Please I need the asnwer in 30 minutes or less, please use your own words and answer correctly

As we have discussed that, the financial industry has experienced a lot of consolidation in the past 30-40 years. Is the consolidation of the banking industry good for financial institutions? What about for depositors and firms? Please justify your answer including at least two benefits or costs that consolidation brings to financial institutions and at least two benefits or costs that consolidation brings to depositors and firms. Please provide detailed arguments.